# SageCalculator.in

> Authoritative, deterministic calculation engines for Indian Income Tax, Take-Home Salary, Gratuity, 8th Central Pay Commission, University CBCS CGPA conversions, and Property Stamp Duty. Updated for Union Budget 2024–2026 statutory amendments.

## Income Tax Calculators

- [Capital Gains Tax Calculator (Budget 2024-26 Rules)](https://sagecalculator.in/tax/capital-gains-tax-calculator/): Calculates LTCG (12.5%) and STCG (20%) on real estate, listed equities, and mutual funds. Supports Budget 2024 grandfathering clause comparing 12.5% without indexation vs 20% with Cost Inflation Index (CII).
- [New vs Old Tax Regime Calculator (FY 2024-25 / FY 2025-26)](https://sagecalculator.in/tax/old-vs-new-tax-regime-calculator/): Side-by-side tax comparison incorporating Section 115BAC slabs, standard deduction of ₹75,000, Section 87A rebate (tax-free up to ₹7 Lakh taxable income), and Chapter VI-A deductions.
- [HRA Exemption Calculator (Section 10(13A) & Rule 2A)](https://sagecalculator.in/tax/hra-exemption-calculator/): Computes statutory House Rent Allowance tax exemption based on the three-rule minimum test: Actual HRA, 50%/40% of Basic Pay, or Rent paid minus 10% Basic Pay. Includes Landlord PAN and Section 194-IB TDS thresholds.

## Salary & Payroll Calculators

- [In-Hand / Take-Home Salary Calculator](https://sagecalculator.in/salary/in-hand-salary-calculator/): Converts Annual CTC into monthly gross and net take-home salary. Deducts Employee PF (12% of Basic capped or uncapped), Professional Tax, and monthly TDS.
- [Gratuity Calculator (Payment of Gratuity Act, 1972)](https://sagecalculator.in/salary/gratuity-calculator/): Calculates employee gratuity using statutory 15/26 formula for covered establishments and 15/30 for uncovered establishments, with the ₹20,00,000 statutory tax exemption cap and 6-month rounding rule.

## Academic & University Calculators

- [NEET Score to Rank & Percentile Calculator](https://sagecalculator.in/education/neet-score-calculator/): Calculates raw NEET-UG marks out of 720 from correct (+4) and incorrect (-1) answers. Predicts All India Rank (AIR), NTA percentile, and qualifying cutoff for 15% AIQ Government MBBS seats.
- [Cumulative SGPA to CGPA Calculator](https://sagecalculator.in/education/sgpa-to-cgpa-calculator/): Multi-semester credit-weighted CBCS CGPA conversion engine (Semesters 1 through 10) with AICTE equivalent percentage formula and degree classification (Distinction / First Class).
- [VTU CGPA to Percentage Calculator](https://sagecalculator.in/education/vtu-cgpa-to-percentage-calculator/): Official Visvesvaraya Technological University formula: Percentage = (CGPA - 0.75) * 10.
- [Anna University CGPA to Percentage Calculator](https://sagecalculator.in/education/anna-university-cgpa-to-percentage-calculator/): Official Regulation 2021 & 2017 formula: Percentage = CGPA * 10.
- [Mumbai University (MU) Pointer to Percentage Calculator](https://sagecalculator.in/education/mumbai-university-cgpa-to-percentage-calculator/): Official 10-point CBCS grading system equations for Engineering, Arts, Science, and Commerce.

## Government Schemes & Pay Commissions

- [8th Pay Commission Salary & Fitment Factor Calculator](https://sagecalculator.in/government-schemes/8th-cpc-calculator/): Projected pay matrix levels 1 to 18, fitment factor options (1.83x to 4.0x), and Dearness Allowance merger estimates.

## Property & Real Estate

- [Maharashtra Stamp Duty & Registration Calculator](https://sagecalculator.in/property/maharashtra-stamp-duty-calculator/): Official Ready Reckoner calculation for Mumbai BMC, Pune Municipal Corporation, Navi Mumbai, and Thane. Includes 1% Metro Cess, 1% female buyer concession, and ₹30,00,000 statutory registration cap.

## Banking & Fixed Income

- [SBI Annuity Deposit Scheme Calculator](https://sagecalculator.in/finance/sbi-annuity-calculator/): Calculates guaranteed equated monthly payouts, total interest, reducing balance amortization schedules, and Section 194A TDS on lump sum deposits across 36, 60, 84, and 120-month tenures at official State Bank of India rates.

## Optional & Deep Information

- [Full Mathematical Specifications & Statutory Clauses](https://sagecalculator.in/llms-full.txt): Complete KaTeX formulas, governing legal acts, and worked examples for all tools.